REDUCING RISKS RELATED TO CHECK VERIFICATION
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United States of America Patent
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app pub date -
Jun 27, 2014
filing date -
Oct 29, 2004
priority date (Note) -
Abandoned
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Abstract
Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide scores that describe a consumers spending capability, tradeline history including balance transfers, and balance information. Share of wallet scores can be used as a parameter for determining whether or not to accept and/or guarantee a check. The share of wallet can be used to calculate a risk value of a customer. For example, the scores can weight one or more factors related to the check writer and differentiate between a low-risk customer and a high-risk customer.
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